Sign in to view John’s full profile
or
New to LinkedIn? Join now
By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement, Privacy Policy, and Cookie Policy.
Sign in to view John’s full profile
or
New to LinkedIn? Join now
By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement, Privacy Policy, and Cookie Policy.
Los Angeles Metropolitan Area
Sign in to view John’s full profile
John can introduce you to 10+ people at Newfi Wholesale
or
New to LinkedIn? Join now
By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement, Privacy Policy, and Cookie Policy.
18K followers
500+ connections
Sign in to view John’s full profile
or
New to LinkedIn? Join now
By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement, Privacy Policy, and Cookie Policy.
View mutual connections with John
John can introduce you to 10+ people at Newfi Wholesale
or
New to LinkedIn? Join now
By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement, Privacy Policy, and Cookie Policy.
View mutual connections with John
or
New to LinkedIn? Join now
By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement, Privacy Policy, and Cookie Policy.
Sign in to view John’s full profile
or
New to LinkedIn? Join now
By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement, Privacy Policy, and Cookie Policy.
About
Welcome back
By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement, Privacy Policy, and Cookie Policy.
New to LinkedIn? Join now
Articles by John
-
Fall down 7 times, get up 8!
Fall down 7 times, get up 8!
Usually I stick to the mortgage business but as we finish up the last few days of May, Mental Health Awareness Month, I…
4
2 Comments -
Still learning?Apr 16, 2020
Still learning?
Growing up in Los Angeles in the 70’s and 80’s, and living here most of my life, it was hard not to know of the…
31
1 Comment -
Proud Second Generation Mortgage BankerDec 22, 2018
Proud Second Generation Mortgage Banker
I wasn’t always proud to be a second generation mortgage banker. It took me being away from the business for a few…
11
3 Comments -
Non-QM forcing evolution in the mortgage business!Nov 13, 2017
Non-QM forcing evolution in the mortgage business!
In a recent article by Lloyd San, Director of Capital Markets at MGIC, one of his takeaways from the 2017 MBA…
13
-
Non-QM Loans & Why it's the Right Rime!Jan 31, 2017
Non-QM Loans & Why it's the Right Rime!
Many of you are aware that there is a new class of mortgage loan called Non-QM loans. These loans are an attempt to…
20
-
Real Estate Values in Ventura County vs. Unemployment Rate!Mar 25, 2015
Real Estate Values in Ventura County vs. Unemployment Rate!
I have been saying for some time now that the real estate markets (and the overall economy) need more jobs in order to…
1
-
Housing Market Update for Ventura County and CamarilloFeb 9, 2015
Housing Market Update for Ventura County and Camarillo
In these first few days of February, the markets are feeling better than in times past. Value are up which is good for…
3
2 Comments -
Ventura County Real Estate Update July 2014Jul 21, 2014
Ventura County Real Estate Update July 2014
Values for Residential homes in Ventura County have remained stable during the last few months with values up only .2%…
Activity
18K followers
-
John Wise reposted thisJohn Wise reposted thisNewfi Wholesale Wholesale is heading to the Our FAMP (Florida Association of Mortgage Professionals) RISE Women’s Regional on April 23rd! 🌅 Join us at 2:10PM for our workshop led by Account Executive, Annu Gyani, focused on building lasting referral relationships that go beyond the closing table. Don’t miss this opportunity to connect, learn, and grow with other women in the mortgage industry. Register today! https://lnkd.in/eySHeMQZ
-
John Wise shared thisI’m regularly asked why NonQM has grown to the level it has. History doesn't lie — and this chart tells a familiar story. Every time the mortgage rate rises significantly above the effective rate on outstanding mortgage debt (the yellow zones), something predictable happens: refinance volume collapses, and Loan Officers go searching for options. That's exactly where NonQM steps in. We saw it in the late 1990s. We saw it starting in 2003. And we're living it right now — arguably the widest yellow zone in modern mortgage history, with the 30-yr rate sitting ~175–200 bps above the effective portfolio rate. When rate locks evaporate, the LOs who thrive are the ones who already built their NonQM muscle: Bank Statement Loans DSCR Loans Asset-Based Loans Full Doc Loans that just miss Agency or Prime Jumbo The yellow zone isn't a problem. It's a market signal. It’s an opportunity to pivot. The LOs who read it early are the ones writing NonQM loans, while others are waiting for rates to drop. Reach out today and let Newfi Wholesale help you take advantage of this opportunity.
-
John Wise reposted thisJohn Wise reposted thisJoin the Club! ☀️ You can qualify for the Parks and Rec Club for Q3 (July 1st-September 30th)! Whether you get approved today or are currently doing business with us, all loans funded in Q2 (April 1st-June 30th) gets you closer to daily pricing specials next quarter. Not approved with us yet? Visit https://lnkd.in/grA3easS to get started! Approved but not a Parks & Rec Club member? Reach out to your Account Executive today to learn more about how to qualify.
-
John Wise reposted thisJohn Wise reposted thisNewfi Wholesale is headed to the Chicago Mortgage Originators Expo! 🏙️ Join SVP, East Coast Sales, Randy Rees, in our session, "Think Big, Act Small". He'll break down how a relationship-first mindset and powerful programs can “market-proof” your business and help you stay competitive in any environment! Don’t miss out. Grab your FREE ticket with code “NEWFIFREE” at checkout. Register now: https://lnkd.in/gc8SXM4C
-
John Wise reposted thisJohn Wise reposted this📢 The April 15th tax deadline is coming! This magical solution makes it easy to qualify self-employed borrowers regardless of if they plan on filing or extending. Swipe to see how it works ➡️ Reach out to Account Executive today to learn more!
-
John Wise reposted thisJohn Wise reposted thisSee you at the FAMP RISE Women’s Regional Conference! 👋 Join us at 2:10PM for our referral workshop, “Build a 90 Day Partnership Growth Plan”. Hear from Florida Regional Account Executive, Annu Gyani, as she dives into how to build long-lasting referral relationships that make you stand out in the marketplace. Then swing by our booth to connect with our conference team. Ask them how Newfi can grow your business with: ✔️ Competitively priced Non-QM, Jumbo, and Second Lien solutions ✔ Innovative broker tools ✔️ Award-winning service Don’t wait! Register by following the link here: https://lnkd.in/eySHeMQZ
-
John Wise reposted thisJohn Wise reposted thisNewfi can help you fuel your pipeline with second lien business! Have a loan in your pipeline that might need a second mortgage? We have unique options and competitive pricing to help. Want to learn how to generate cash-out business from your database & past leads? We have a 4-week marketing kit with resources to kick-start your growth. Reach out to your Account Executive for access to the market kit or to price a loan!
-
John Wise reposted thisJohn Wise reposted thisIt’s game time for your Jumbo deals 🏀 Newfi Wholesale’s Jumbo AUS all-star lineup delivers competitive pricing, flexible guidelines, and award-winning service so you can make every deal a slam dunk. ➡️ Swipe to see our guides Got a high loan amount deal? Call your Account Executive to price it out or get started here: https://lnkd.in/di4Qgz7N
-
John Wise reposted thisJohn Wise reposted this"We've proved we can do the work - and lenders are investing because they see the results." Brendan McKay, Chief Advocacy Officer for BAC: Our wins speak for themselves. Now we're asking brokers to step up too. If this work matters to you - if you want advocacy that puts brokers first - we need your support to keep it going. ✊🏼 Support the work we’re doing 👉🏼 https://lnkd.in/eRKCiVbc #MortgageBrokers #BAC #BrokerAdvocacy
-
John Wise liked thisJohn Wise liked thisNewfi Wholesale Wholesale is heading to the Our FAMP (Florida Association of Mortgage Professionals) RISE Women’s Regional on April 23rd! 🌅 Join us at 2:10PM for our workshop led by Account Executive, Annu Gyani, focused on building lasting referral relationships that go beyond the closing table. Don’t miss this opportunity to connect, learn, and grow with other women in the mortgage industry. Register today! https://lnkd.in/eySHeMQZ
-
John Wise liked thisJohn Wise liked thisJoel Worrell, Jeff Garber, Randy Rees and Hershell Williams connected with mortgage pros at the Keystone Mortgage Expo in Kulpsville, Pennsylvania! Thank you to everyone who stopped by and see us next at the Suncoast Mortgage Expo on April 7th! 📍
-
John Wise liked thisJohn Wise liked thisGet an easy bucket with DSCR Loans 🏀 Qualify established & first-time investors using the cash-flow of their investment property... ✔️ Loan Amounts to $3M ✔️ 1-4 Unit Properties ✔️ Rural Properties Up to 5 Acres Now Allowed ✔️ Use Crypto as Reserves without Liquidating ✔️ Refinance In-Between Tenants Options Available If Vacant For Less Than 60 Days Ready to capture more DSCR business? Download our FREE 30-Day DSCR Marketing Game Plan here: https://lnkd.in/gR_evY4c
-
John Wise liked thisJohn Wise liked thisJoin the Club! ☀️ You can qualify for the Parks and Rec Club for Q3 (July 1st-September 30th)! Whether you get approved today or are currently doing business with us, all loans funded in Q2 (April 1st-June 30th) gets you closer to daily pricing specials next quarter. Not approved with us yet? Visit https://lnkd.in/grA3easS to get started! Approved but not a Parks & Rec Club member? Reach out to your Account Executive today to learn more about how to qualify.
-
John Wise liked thisJohn Wise liked thisExpanding homeownership requires inclusive solutions. BAC is proud to support conversations around language access and Hispanic homeownership at NAHREP 2026. These discussions are critical to building a more equitable housing market. #HousingEquity #DiversityInHousing #MortgageIndustry #NAHREP2026
Experience & Education
-
Newfi Wholesale
*** ***** * ******** **********
-
***** *** ******** *********
********* ******** ******* * ********** ******** ***********
-
******** ******** *****
******** *******
-
********** **********
**** ******** ************** undefined
-
-
** ******* **** ******
-
-
View John’s full experience
See their title, tenure and more.
Welcome back
By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement, Privacy Policy, and Cookie Policy.
New to LinkedIn? Join now
or
By clicking Continue to join or sign in, you agree to LinkedIn’s User Agreement, Privacy Policy, and Cookie Policy.
Licenses & Certifications
-
SFR - Short Sale Foreclosure Resource, National Association of Realtors
National Association of Realtors
Projects
-
Sold Homes
-
Organizations
-
California Association of Realtors, National Association of Realtors
-
Recommendations received
6 people have recommended John
Join now to viewView John’s full profile
-
See who you know in common
-
Get introduced
-
Contact John directly
Other similar profiles
Explore more posts
-
American Association of Private Lenders
9K followers
📈 𝐅𝐨𝐫𝐞𝐜𝐥𝐨𝐬𝐮𝐫𝐞 𝐀𝐮𝐜𝐭𝐢𝐨𝐧 𝐕𝐨𝐥𝐮𝐦𝐞 𝐈𝐧𝐜𝐫𝐞𝐚𝐬𝐞𝐬 𝟏𝟗 𝐏𝐞𝐫𝐜𝐞𝐧𝐭 𝐓𝐨 𝐓𝐰𝐨-𝐘𝐞𝐚𝐫 𝐇𝐢𝐠𝐡 𝐀𝐬 𝐃𝐞𝐦𝐚𝐧𝐝 𝐅𝐫𝐨𝐦 𝐁𝐮𝐲𝐞𝐫𝐬 𝐃𝐫𝐨𝐩𝐬 𝐓𝐨 𝐌𝐮𝐥𝐭𝐢-𝐘𝐞𝐚𝐫 𝐋𝐨𝐰𝐬 The latest data tells a story of change in the market: ✔️ Foreclosure auction volume up 19% year-over-year ✔️ REO auctions climb 20%, with vacant REOs leading the way ✔️ VA-insured loans surge 428% in foreclosure activity post-moratorium While buyer demand has cooled to multi-year lows, savvy lenders and investors view this as an opportunity to re-strategize and capitalize on shifting trends. Lower competition today could mean stronger positions tomorrow. 📖 Explore what these numbers mean and where the opportunities lie: https://lnkd.in/g9-DFv_j #PrivateLending #MarketInsights #InvestorOpportunities #ForeclosureTrends #HousingMarketUpdate
11
-
RISMedia
192K followers
National Association of REALTORS® has launched its new Market Statistics Dashboard—a members-only tool offering hyperlocal housing data to help agents better serve their clients. 📈 #RealEstateData #NAR #HousingMarket #HousingAffordability #MarketStatistics https://lnkd.in/e7ZHSmgp
1
-
Cornerstone Capital of NY
720 followers
Want to close your commercial loan faster without cutting corners? Here are 3 proven ways to speed up approval while keeping your deal structured and solid: 1️⃣ Pre-screen lenders to match your asset and timeline perfectly. 2️⃣ Prepare strategic, lender-ready submission packages. 3️⃣ Fast-track documentation by knowing exactly what's needed and when. Don't let delays cost you opportunities. Get your loan approved smarter and quicker with Cornerstone Capital Thoughts? Comments? DM US #HelpingRealtorsCLOSE #FinancingArranged #CREFinancing #MultifamilyFinancing #RetailFinancing #ConstructionFinancing #BridgeLoans #ConventionalFinancing @CornerstoneCapitalofNY
-
NAMB - National Association of Mortgage Brokers
4K followers
Statement from NAMB on FHA Mortgage Insurance Premium Policy The NAMB - National Association of Mortgage Brokers calls for the Federal Housing Administration to end its Life of Loan mortgage insurance premium (MIP) policy and allow borrowers to achieve MIP relief once they reach 78 percent loan-to-value, consistent with the original regulatory framework. The FHA's recent Mutual Mortgage Insurance Fund (MMIF) report demonstrates the Agency's exceptional financial health and capital position—a stark contrast to the economic conditions that prompted the Life of Loan MIP policy in 2013 following the housing crisis. With more than a decade of strong recovery and performance, the original rationale for this emergency measure no longer justifies the burden it places on borrowers. Borrowers who have paid mortgage insurance premiums to the point of reaching 78 percent LTV have effectively subsidized the FHA program well beyond actuarial risk levels. These borrowers deserve recognition of FHA's restored financial strength through premium relief—a natural outcome when the conditions that necessitated extraordinary measures have substantially changed. The Life of Loan MIP policy is also creating unintended market consequences that ultimately undermine the purpose of FHA programs. FHA borrowers seeking to refinance to take advantage of their equity position or lower interest rates are being forced to leave the FHA program and transition to conventional financing in order to avoid perpetual mortgage insurance costs. This migration is placing additional strain on Fannie Mae and Freddie Mac, who are absorbing loans that would naturally remain within the FHA system absent this policy barrier. Restoring traditional MIP cancellation at 78 percent LTV would strengthen FHA's loan portfolio and reduce unnecessary pressure on the government-sponsored enterprises. Homeownership is already challenging for many American families. Allowing qualified borrowers to achieve MIP cancellation at the traditional 78 percent LTV threshold would reduce monthly payments, increase home affordability, and stabilize market dynamics—all while maintaining the integrity and strength of the FHA program. NAMB urges the FHA to implement this commonsense reform that benefits borrowers and supports market stability while preserving FHA's robust capital position.
2
-
Class Valuation
10K followers
FHA’s latest guidance is making waves for appraisers. Yes, attic and crawl space photos are no longer required. Yes, MLS photos can be used. But caution is still critical. In this conversation with Appraiser eLearning, Chief Appraiser John Dingeman explains how appraisers should interpret the change, avoid missteps, and protect report quality and compliance. ➡️ Watch the on-demand webinar here: https://hubs.li/Q03YdqD10
55
2 Comments -
Arrivva, We Fixed Real Estate
478 followers
Does your lender really own your mortgage? Are slowing markets like Sacramento really a buyer’s playground? Can credit unions actually beat big banks for tricky deals? Understand the hidden realities in today’s real estate and lending market. Watch the full episode via the link in comments section.
1
1 Comment -
National Association of REALTORS®
693K followers
Is a 50-year mortgage a viable option or just a marketing ploy? In the latest Ask the Economist, NAR Chief Economist Lawrence Yun breaks down what this long-term loan could mean for today’s buyers. Have a question for Lawrence about the housing market? Share it in the comments or email AskTheEconomist@nar.realtor.
102
9 Comments -
We Close Notes
226 followers
Calculate Net Profit: REO Foreclosure at 10% Interest Learn how to calculate your full net profit when borrowing money at 10% interest. We will guide you through understanding net profit and REO foreclosures. #NetProfit #REO #Foreclosure #RealEstate #Investing #Finance #InterestRates #ProfitMargin #FinancialAnalysis #RealEstateInvesting
-
The Note Closers Show Podcast
48 followers
Calculate Net Profit: REO Foreclosure at 10% Interest Learn how to calculate your full net profit when borrowing money at 10% interest. We will guide you through understanding net profit and REO foreclosures. #NetProfit #REO #Foreclosure #RealEstate #Investing #Finance #InterestRates #ProfitMargin #FinancialAnalysis #RealEstateInvesting
-
Phoenix Agent magazine
250 followers
RE/MAX Fine Properties and RE/MAX Professionals have merged and will operate under the RE/MAX Fine Properties name. The merger brings together 360 agents from 10 offices across Arizona. The new entity will be led by four managing partners: Greg Remmers, designated broker and COO; Melissa Dierks, director of operations for the West Valley; Jamie Wong, broker-owner of RE/MAX Fine Properties; and Nate Martinez, former broker-owner of RE/MAX Professionals. #REMAXFineProperties #REMAXProfessionals #REMAXArizona
10
-
Exactus AMC
2K followers
📢 Big News in Appraisal Standards! Freddie Mac & Fannie Mae have officially announced UAD 3.6. Starting January 26, 2026, Sellers may begin submitting appraisal reports using the new dynamic URAR through the UCDP. By November 2, 2026, UAD 3.6 will be mandatory for all submissions. Key updates include: ✅ Dynamic reporting format ✅ Retired legacy forms (Forms 70, 1004, 1073, etc.) ✅ New condition & quality rating definitions ✅ Square footage reporting changes 📌 Appraisers & lenders: Now is the time to start preparing. #UAD3_6 #AppraisalUpdate #FreddieMac #FannieMae #ExactusAMC #RealEstateValuation
1
-
Bonelli Financial Group
140 followers
Many Arizona homeowners are exploring ways to access their home equity. Two popular options are a cash-out refinance and a HELOC. A cash-out refinance replaces your existing mortgage with a larger loan, giving you a lump sum upfront. It is often best for large, one-time expenses and usually comes with a fixed interest rate. A HELOC is a revolving line of credit, letting you borrow as needed over time. It often has a variable interest rate and provides more flexibility for ongoing projects. Choosing the right option depends on your current mortgage rate, your financial goals, and how you plan to use the funds. Many homeowners with low existing mortgage rates are turning to HELOCs to preserve their rate while accessing additional equity. Read the full guide here: https://lnkd.in/gg4KYMTT #ArizonaMortgage #HomeLoansArizona #CashOutRefinance #HELOCArizona #MortgageBrokersInArizona #HomeEquity
2
-
South Florida Agent magazine
656 followers
The National Association of REALTORS® has debuted its Market Statistics Dashboard for members, which provides local housing data intended to help clients buy and sell homes. The dashboard is updated monthly and provides the following data: 🏠 Housing affordability 📈 Sales and listing trends 📊 Home pricing changes 🏦 Economic indicators 🏘️ Homeownership and demographic insights 👉 Read the full article to see how this improved dashboard can help you serve clients with more precision than ever: https://lnkd.in/g74Q8mDa #NationalAssociationOfRealtors #HousingData #ListingTrends #HomePricing #RealEstateTools #ClientService #RealEstateMarket #RealtorResource
-
Rhyze Solutions
714 followers
Today, CRE misconception #2: Full recourse or personal guarantee (PG) is the strongest secondary source of repayment in a CRE secured loan. Many lenders give personal guarantees way more credit than they're worth, creating a false sense of security. PG is the last source of payment if the property experiences trouble. In other words, all the other layers of structural protection would be gone — and by that point, a lender should expect the stability of the PG itself to be compromised as well, especially if incremental structures like direct assignments of rents or special reserves are not being utilized. Remember: a PG is only as good as the guarantor's ability to pay. If the guarantor's personal finances are already strained due to the property / business failure, or if assets are strategically shielded or difficult to liquidate, the guarantee offers minimal practical protection. Therefore, if a loan’s structure relies on PG for acceptable credit risk and approval, then the lender should question whether the loan is worth the risk to begin with. Instead, a PG should be viewed as a “nice to have” or an “insurance policy” when attainable against unexpected downside of strongly underwritten property collateral values and cashflows.
13
-
Inman
398K followers
NextHome threw its support behind Zillow's private-listing policy Friday, the second brokerage to officially back the plan, as rival portals and critics of NAR's Clear Cooperation Policy sounded off. Read more: https://buff.ly/DP2vLkr #realestate #realestatenews #realestatebrokerages #zillow #exp #nexthome #clearcooperation
8
1 Comment
Explore top content on LinkedIn
Find curated posts and insights for relevant topics all in one place.
View top contentOthers named John Wise in United States
-
John Wise
Brooklyn, NY -
John Wise
Charlotte, NC -
John Wise
Winston-Salem, NC -
John Wise
Santa Monica, CA -
John Wise
Portland, OR
543 others named John Wise in United States are on LinkedIn
See others named John Wise